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All Journal I-ECONOMICS: A Research Journal on Islamic Economics E-Dimas: Jurnal Pengabdian kepada Masyarakat Jurnal Ilmiah Ekonomi Islam Resona : Jurnal Ilmiah Pengabdian Masyarakat Dinamis : Journal of Islamic Management and Bussiness Syi'ar Iqtishadi Dialektika: Jurnal Ekonomi dan Ilmu Sosial International Journal of Zakat (IJAZ) Review of Islamic Economics and Finance Budimas : Jurnal Pengabdian Masyarakat An-Nawa : Jurnal Studi Islam Journal of Management and Islamic Finance Diponegoro Journal of Islamic Economics and Business el-Amwal At-Thullab : Jurnal Mahasiswa Studi Islam EDUCATE : Journal of Education and Culture Jurnal Keuangan dan Perbankan Syariah Journal of Community Service JURDIASRA ABHATS: Jurnal Islam Ulil Albab Indonesian Journal of Law and Syariah (IJLS) Sociale : Journal of Social and Political Sciences
Mukti, Titania
Sultan Ageng Tirtayasa University
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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IS SHARIA MORTGAGE REALLY USURY-FREE? A CRITICAL REVIEW OF THE THREE MAZHAB OF ISLAMIC ECONOMICS Awaliyah, Siti Uswatun; Artanti, Sazkhia; Yulianti, Alifia Hanin; Mukti, Titania
Journal of Management and Islamic Finance Vol. 5 No. 1 (2025): Journal of Management and Islamic Finance
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmif.v5i1.12297

Abstract

Sharia Home Ownership Loans (KPR) are an alternative for Muslims to own a house without the practice of usury. Unlike conventional interest-based mortgages, Islamic mortgages use muamalah contracts such as murabahah, istishna', ijarah muntahiyah bit tamlik, and musyarakah mutanaqisah. However, the similarity of the payment structure with conventional mortgages has led to criticism of its sharia validity. Thtis research uses a qualitative-descriptive approach through literature studies and case studies on three Islamic mortgage products in Indonesia. The analysis was conducted using a fiqhiyyah approach and reviewed from three madhhab of Islamic economic thought. The results show that despite fulfilling the formal provisions of sharia, substantively there is still debate. The development of Islamic mortgages needs to be directed towards achieving maqashid sharia and economic Keyword: Sharia Mortgage, Usury, Islamic Economics, Islamic Economic Madhhabs
Pendidikan Pelestarian Lingkungan dan Pengelolaan Sampah Plastik Menjadi Barang Ekonomis Bagi Anak Sekolah Dasar Mukti, Titania; Ahyakudin; Sujai; Fadhilah, Nurul
EDUCATE : Journal of Education and Culture Vol. 2 No. 02: Mei, 2024
Publisher : Rumah Riset Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61493/educate.v2i02.118

Abstract

Pencemaran lingkungan akibat sampah plastik telah menjadi isu global. Sekolah menjadi salah satu tempat dengan produksi sampah plastik yang berasal dari kemasan makanan ringan dan minuman yang dikonsumsi anak-anak saat jam istirahat. Tujuan dari penelitian ini adalah mengimplementasikan pendidikan pelestarian lingkungan dan pengelolaan sampah plastik menjadi barang bernilai ekonomis bagi anak Sekolah Dasar Negeri Merak 1, Banten. Metode penelitian yang dilakukan adalah metode kualitatif deskriptif. Sumber data primer didapatkan dari hasil observasi dan program pelatihan langsung. Metode pelatihan yang digunakan adalah model deduktif yang ditujukan pada anak-anak sekolah dasar (usia 7-12 tahun). Hasil pelatihan menunjukan bahwa program pelatihan pelestarian lingkungan dan daur ulang sampah plastik menjadi barang ekonomis mampu membimbing anak sekolah dasar untuk sadar akan membuang sampah di tempat yang telah disediakan dan diklasifikasikan menjadi sampah organik maupun sampah anorganik, kemudian anak-anak antusias dan mampu mempraktikan pembuatan ecobrik dan kerajinan tangan dari sampah plastik yang dapat dijadikan hiasan kelas, celengan, dan berbagai barang kerajinan.
Analisis Implementasi Nilai Dasar Ekonomi Islam pada Kinerja Pedagang Pasar Tradisional Mukti, Titania
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 7 No 1 (2022): DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1006.404 KB) | DOI: 10.36636/dialektika.v7i1.630

Abstract

Commerce in Islam is a lawful economic activity with the limitations of the Shari'a such as the basic values ​​of Islamic economics that must be obeyed. Pakem Kaliurang Traditional Market is a market where all traders who sell are Muslim. The location of the market is also close to the Indonesian Islamic university where traders have a fairly religious environment and should be able to implement the basic values ​​of Islamic economics in trading activities, but the economic conditions in the country are often changing and the urge to get the most profit from these activities Entrepreneurship sometimes makes traders tempted to commit fraud. The purpose of this study is to analyze the practice of the basic values ​​of Islamic economics, namely monotheism, justice, caliphate, nubuwah, and ma'ad on the performance of traders in the Pakem Kaliurang traditional market. The research location is Pakem Market, Sleman Yogyakarta. This type of research is descriptive qualitative. The source of the data used is primary data collected by interviewing 10 traders in the traditional market of Kaliurang. Traders interviewed were selected randomly and represented different types of goods sold. The results showed that not all basic values ​​of Islamic economics were applied in the performance of traders. Only the basic values ​​of caliphate and ma'ad are optimally practiced in everyday life.
Islamic Work Philosophy and Modern Urbanization: Ibn Khaldun's Perspective Mukti, Titania; Ahyakudin; Sujai
ABHATS: Jurnal Islam Ulil Albab Vol. 6 No. 2 (2025): September 2025
Publisher : Direktorat Pondok Pesantren Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/abhats.vol6.iss2.art1

Abstract

This research aims to reveal the concepts of Ibn Khaldun's thought, especially those related to economic life. The main focus of this study is Ibn Khaldun's contribution to economic philosophy. The method used is textual analysis based on primary sources, including works of interpretation and translation. The results of the study show that Ibn Khaldun, a prominent figure in Islamic thought, had a great influence on the development of modern economics. His monumental work, Al-Muqaddimah, deals with the relationship between human beings, especially Arab societies, in the context of the Arabic language. His contribution to economics can be understood through the perspective of Islamic history. The influence of Ibn Khaldun's thought on modern economic theory was significant, with far-reaching implications for contemporary thinkers and scholars. In his thoughts, Ibn Khaldun emphasized that work is an essential activity for humans in an effort to meet the needs of their lives. [Penelitian ini bertujuan untuk mengungkapkan konsep-konsep pemikiran Ibnu Khaldun, khususnya yang berkaitan dengan kehidupan ekonomi. Fokus utama dari kajian ini adalah kontribusi Ibnu Khaldun terhadap filosofi ekonomi. Metode yang digunakan adalah analisis tekstual berdasarkan sumber-sumber utama, termasuk karya tafsir dan terjemahan. Hasil penelitian menunjukkan bahwa Ibnu Khaldun, seorang tokoh terkemuka dalam pemikiran Islam, memiliki pengaruh besar terhadap perkembangan ekonomi modern. Karya monumental beliau, Al-Muqaddimah, membahas hubungan antara manusia, terutama masyarakat Arab, dalam konteks bahasa Arab. Kontribusi beliau terhadap ekonomi dapat dipahami melalui perspektif sejarah Islam. Pengaruh pemikiran Ibnu Khaldun terhadap teori ekonomi modern sangat signifikan, dengan dampak yang luas bagi para pemikir dan cendekiawan kontemporer. Dalam pemikirannya, Ibnu Khaldun menekankan bahwa bekerja adalah aktivitas yang esensial bagi manusia dalam upaya untuk memenuhi kebutuhan hidupnya.]
Product Differentiation and Monopolistic Market Competition in the Retail Coffee Industry in Indonesia: A Review of Sharia Compliance and Its Impact on Consumer Choices Nurbaeti, Feby; Affandi, Muhammad; Safri, Rahmat; Mukti, Titania
Dinamis : Journal of Islamic Management and Bussiness Vol. 8 No. 2 (2025): Oktober : Journal of Islamic Management and Business
Publisher : Institut Agama Islam Negeri Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/dinamis.v8i2.7142

Abstract

The modern coffee industry in Indonesia has grown rapidly with the emergence of popular brands such as Kopi Kenangan, Janji Jiwa, and Fore Coffee. These brands operate in a monopolistic competition market structure, characterized by many sellers offering similar but differentiated products. This study aims to analyze the market structure, differentiation strategies, and the nature of competition among leading coffee brands, as well as to examine their alignment with Islamic economic principles, such as fairness, transparency, and the prohibition of unhealthy competition. This research employs a descriptive qualitative method by collecting secondary data and conducting limited interviews with consumers and business actors. The results indicate that while the competition is generally fair, aggressive promotional strategies and market dominance by larger brands may create imbalances that warrant further ethical evaluation from an Islamic economic perspective.
Percepatan Implementasi Kota Cerdas di Indonesia Pasca Pandemi Covid-19: Tinjauan Pustaka Gian Anggraeni Andriyanto; Titania Mukti
Sociale : Journal of Social and Political Sciences Vol 1 No 2 (2025): Sociale
Publisher : Yayasan Penelitian dan Pengabdian Masyarakat Sisi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69836/sociale.v1i2.483

Abstract

COVID-19 has been a catalyst for digital transformation in various sectors, including the implementation of smart cities. In Indonesia, efforts to implement smart cities had already been underway before COVID-19. Post-COVID-19, the adoption of technology and innovation has accelerated further. This study highlights the significant impact of the COVID-19 pandemic as a catalyst for digital transformation in smart cities in Indonesia. The importance of this study lies in providing an in-depth analysis of how the post-COVID-19 era has influenced the development of smart cities in Indonesia, from policy changes, technology adoption, to technological innovations. The objective of this research is to analyze the acceleration of smart city implementation in Indonesia post-COVID-19 pandemic using a structured literature review (SLR) approach. The research method employs bibliometric analysis, with articles collected from Scopus publication data, focusing on research trends after March 2020. The results of this study are expected to include the identification of key themes in the literature, including relevant government policies, innovations implemented, and comparisons between the development of smart cities in Indonesia and other countries. The research contributes strategically to the government and policymakers in addressing future challenges in building more efficient, inclusive, and sustainable smart cities.
IMPLEMENTASI EKONOMI SIRKULAR DALAM PENINGKATAN PRODUKSI GERABAH DI DESA BUMIJAYA MELALUI ALAT POTTERY WHEEL ELECTRIC Mukhsin, Moh.; Mukti, Titania; Marlia, Sri; Ridwan, Ahmad; Humairoh, Ghaida; Algifari, Salman
RESONA : Jurnal Ilmiah Pengabdian Masyarakat Vol 9, No 2 (2025)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/resona.v9i2.2714

Abstract

Desa Bumijaya Kecamatan Ciruas, Kabupaten Serang merupakan pusat kerajinan yang memiliki potensi industri gerabah berbahan tanah liat. Pengabdian Masyarakat ini bertujuan untuk memberikan solusi atas permasalahan manajemen operasional BUMDes yang belum optimal, proses produksi yang masih manual, pemasaran yang terbatas, dan kurangnya pengetahuan keuangan para pengrajin. Pendekatan pengabdian masyarakat menggunakan metode Participatory Action Research (PAR). Tahapan penelitian dibagi menjadi lima tahap yaitu Tahapan Persiapan (Pra Pengabdian), Pelaksanaan Sosialisasi dan Pelatihan, Penerapan Teknologi, Monitoring dan Evaluasi Keberlanjutan Program, serta umpan balik. Hasil yang diperoleh meliputi: pelatihan manajemen operasional BUMDes, penerapan teknologi berupa alat electric pottery wheel untuk peningkatan produksi, pelatihan pengemasan, pemasaran digital, dan ekspor untuk memperluas pasar, dan pelatihan akuntansi usaha mikro kepada para pengrajin gerabah. Abstract. Bumijaya Village, Ciruas District, Serang Regency is a craft center with potential for the clay pottery industry. This Community Service Program aims to provide solutions to the problems of suboptimal BUMDes operational management, manual production processes, limited marketing, and lack of financial knowledge among craftsmen. The community service approach uses the Participatory Action Research (PAR) method. The research stages are divided into five stages: Preparation Stage (Pre-Service), Implementation of Socialization and Training, Technology Application, Monitoring and Evaluation of Program Sustainability, and feedback. The results obtained include: BUMDes operational management training, application of technology in the form of an electric pottery wheel to increase production, packaging training, digital marketing, and exports to expand the market, and micro-business accounting training for pottery craftsmen).
Riba in Sharia Economic Law: A Bibliometric Study Mukti, Titania
Indonesian Journal of Law and Syariah Vol. 1 No. 2 (2025): Indonesian Journal of Law and Syariah
Publisher : CV. FOUNDAE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58524/ijls.v1i2.46

Abstract

Riba in the view of sharia economic law is expressly prohibited in the Quran and Hadith. Explanations related to Riba and its practice in society require a comprehensive research study. This research aims to conduct bibliometric analysis to visualize articles related to Riba in sharia economic law, find out research trends related to riba, evaluate the impact of research, and identify research networks in order to help stakeholders in making decisions on the practice of muamalah to avoid usury. This study presents a bibliometric analysis using VOSviewer software and the article data used is 200 Scopus-indexed articles collected from 1980 to 2023. The results of this study show that the keywords "Usury", "Islamic Finance", and "Islamic Law" are the most up-to-date keywords with the grand theme of the research, namely riba in Islamic economic law. The researchers who contributed the most were Hewkes D., Termin P., and Todeschini G. who have written 3 research papers. The research cluster consisting of 10 clusters shows the results of the direction of future research development. Future research recommendations researchers can take the theme of riba practices that can result in bankruptcy, a review of ethics in financial practices, and the law of riba in the Qur'an analysis and its implications.
Bahasa Indonesia: Rancang Bangun Keuangan Syariah Era Digital: Pengembangan Teknologi Finansial Berbasis Ekonomi Syariah Muhammad Abu Raafi; Muhamad Ramadhan Martadinata; Orina Beatrixa; Cahaya Gina; Siti Fadilah Awalyah Winata; Titania Mukti
Jurnal Keuangan dan Perbankan Syariah Vol 4 No 2 (2025): Desember 2025
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v4i2.4663

Abstract

Purpose: This study examines the implementation of Sharia financial principles within the financial technology (fintech) ecosystem and diagnoses critical challenges in the digital transformation of Indonesia's Sharia financial sector. Design/methodology/approach: Using a qualitative literature-based approach, the research compiles data from academic sources (journals, books), industry reports, and relevant online publications on fintech and Sharia finance. Analysis employs descriptive-qualitative methods supplemented by content analysis. Findings: Sharia principles (prohibitions against riba, maysir, and gharar) have been integrated into Sharia fintech models based on contracts such as mudharabah and musyarakah. Sharia fintech demonstrably enhances financial inclusion, particularly for MSMEs. Primary constraints include low digital literacy, infrastructure disparities, and regulatory rigidity in responding to technological innovation. Contribution/Originality/Novelty: The study enriches academic discourse on the convergence of Sharia principles with digital financial innovation. Practically, it proposes policy- and education-based strategies for sustainable Sharia fintech development. The research novelty lies in its comprehensive identification of challenges and formulation of strategic frameworks for Sharia fintech advancement in the digital era.
Co-Authors Affandi, Muhammad Ahmad Ridwan Ahyakudin Algifari, Salman Aliani, Ani Andriyanto, Gian Anggraeni Andriyanto, Gian Anggraeni Anisa Putri Utami Anisya May Yustitia Aprilia, Aida Artanti, Sazkhia Atiqah Athi Ulhaq Awaliyah, Dillah Awaliyah, Siti Uswatun Cahaya Gina Dewi Santi Febrianti Dini Puspitasari Diqbal Satyanegara Fatatun Malihah Fazzari, Tajul Gebrina Rizki Amanda Gian Anggraeni Andriyanto Harnum Widyaningrum Hasya Mazaya Lathifah Hendrawan Syafrie Hesty Juan Kirana Humairoh, Ghaida Ika Arinia Indriyany Kurniawan, Ogi Mahfud, Alvin Marlia, Sri Muhamad Ramadhan Martadinata Muhammad Abu Raafi Mukhsin, Moh. Nana Nofianti, Nana Nufus Kanani Nur Khumairah Nur Zidta Oktarinanda Nurbaeti, Feby Nurfaiza, Ratu Fathia Nurul Fadhilah Orina Beatrixa Pratama, Amelia Regina, Imelda Ryan Yuniawan Safri, Rahmat Shabrina, Firnanda Maulidya Siti Fadilah Awalyah Winata Sujai Sujai, Sujai Sukamto, Ika Sumiyarsi Sulistiani Indriyastuti Tri Wahyudi Tri Wahyudi Wahyudi Tulasmi Tulasmi Vira Prajna Cantika Virki, Aulia Zahirah Winda Hidayanti Yulianti, Alifia Hanin